Tobacco Premium - FAQs
- The goal of the tobacco premium is to discourage the use of tobacco products, which are harmful to your health.
- Eliminating tobacco is a proactive way to help manage health care costs for everyone.
- A robust offering of tobacco cessation programs and cessation drugs support this health and wellness initiative.
- Premium pricing is deducted from your (bi-weekly or monthly) earnings.
All Faculty & Staff covered under Loyola University Chicago medical plans who are tobacco users.
- This certification must be renewed each year during annual Open Enrollment in order to avoid the medical premium. To report a change in tobacco usage mid-year, please contact the Benefits Department directly via email at firstname.lastname@example.org.
A tobacco user is a person who has used tobacco in the past 3 months. Tobacco use applies to all types of tobacco products that are smoked (cigarettes, cigars, cigarillos, pipes, electronic cigarettes, vaping products or hookah), applied to the gums (chewing tobacco, dip, and loose tobacco) and/or inhaled (snuff).
The tobacco premium is $50.00 per month (or $600.00 per year).
- Cigarettes, cigars, cigarillos, pipes, chewing tobacco, snuff, dip, loose tobacco smoked via a pipe, hand rolled cigarettes, or hookah, electronic cigarettes, vaping products, and any other tobacco product - regardless of the frequency or method of use.
- We expect members of Loyola University Chicago to report honestly.
If you become a tobacco user at any time during the year, you should notify Human Resources at email@example.com so the premium can be applied.